A DSCR loan is an investment property loan that qualifies you based on the property's rental income rather than your personal income. No tax returns, W-2s, or pay stubs are required.

What types of properties qualify for DSCR loans?

Single-family homes, multi-family properties, condos, and short-term rentals such as Airbnb and VRBO properties can qualify. We review each property's rental income potential.

Do I need to provide tax returns or W-2s?

No. DSCR loans do not require personal income verification, so tax returns, W-2s, and pay stubs are not needed to qualify.

What credit score is needed for a DSCR loan?

Credit requirements vary by program and by the property's cash flow. Contact us and we will review your scenario and let you know the options available to you.

Investor Solutions

DSCR Loans for Real Estate Investors

Qualify Based on Your Property's Income, Not Your Personal Income.

Grow your real estate portfolio with DSCR loans designed for rental property investors. No tax returns, W-2s, or personal income verification required.

Momentum Mortgage Group helps investors secure financing in most states across the U.S. so you can focus on building wealth through real estate.

Explore Your DSCR Loan Options Talk to a Loan Expert

Reviewed by a Licensed Mortgage Professional

Last Updated: May 2026

DSCR financing gave us the freedom to scale our rental portfolio without relying on traditional income documentation. The process was smooth and efficient.

— Real Estate Investor

Qualify with Rental Income

Based on your property's cash flow, not your paycheck.

No Personal Income Verification

No tax returns, W-2s, or pay stubs required.

Grow Your Investment Portfolio

Finance more properties and build long-term wealth.

Available in Most States

DSCR loans available in most states nationwide.

Fast, Streamlined Approvals

Quick closings so you can move on the right deals.

How DSCR Loans Work

Find an Investment Property

Identify a rental property that meets your goals.

Qualify Based on Rental Income

We evaluate the property's income potential (DSCR).

Get Approved

No personal income docs. Simple, investor-friendly qualification.

Close Quickly

Move fast and secure your next investment opportunity.

DSCR Loan Solutions for Real Estate Investors

Long-Term Rental Properties

Finance single-family, multi-family, condos, and more.

Conventional DSCR Loans
No Personal Income Docs
Great for Buy & Hold Investors

Short-Term Rental Properties

Perfect for Airbnb, VRBO, and vacation rentals.

Short-Term Rental DSCR
Strong Cash Flow Focus
Flexible Underwriting

Portfolio Expansion

Scale your real estate portfolio with confidence.

Multiple Property Financing
Better Cash Flow Control
Faster Portfolio Growth

Investor Customized Solutions

Every investor is different. We build solutions around your goals.

Personalized Loan Options
Competitive Rates
Expert Local Guidance

Helpful Articles & Resources

What Is a DSCR Loan?

Learn how DSCR loans work and why investors love them.

DSCR vs Conventional Investment Loans

Compare the key differences and see which option is right for you.

Scaling Your Real Estate Portfolio with DSCR Loans

How to leverage rental income to grow your investments.

Where DSCR Loans Are Available

See which states allow DSCR loans without a state license.

Frequently Asked Questions

DSCR loans are available in most states across the U.S. without the need for a state mortgage license. A few states do require licensing, including Arizona, California, Idaho, Michigan, Minnesota, Montana, Nevada, Oregon, Utah, Vermont, and Virginia. Contact us to confirm availability for your location.

DSCR Loans Available in Most States Nationwide

Map of the United States showing states where DSCR loans are available

We can help investors in most states without requiring a state license.

Coast to Coast Coverage
Flexible Investor Solutions
Local Expertise
Fast, Reliable Service

Have questions about your state?

Talk to a Loan Expert

Ready to Grow Your Real Estate Portfolio?

Our experienced mortgage professionals are here to help you secure the financing you need to take your next investment to the next level.

Explore Your DSCR Loan Options Talk to a Loan Expert